Restaurant insurance in Thornbury
Thornbury, a small market town turned Bristol commuter base, is the kind of place where a restaurant often comes with a home, the owners living above or attached to the premises. A building that is both business and home carries the risks of each.
Where the risks come from for Thornbury restaurants
Where living accommodation adjoins or sits above a restaurant, a fire, flood or incident in one part affects the other, the kitchen threatens the home, a domestic fault reaches the restaurant, and the cover has to span both uses. A policy written for the restaurant alone leaves the home exposed, and vice versa.
A Thornbury example
A kitchen fire at a Thornbury restaurant spreads into the owners' living accommodation above, damaging both the business and the home. Cover arranged to reflect the combined premises meets both the restaurant and the residential loss, where separate or partial cover might have left a gap between them.
What restaurant insurance covers
A live-work restaurant needs cover that spans the commercial and residential parts of the building as one risk, so a loss in either is met. Buildings, contents, business interruption and the liabilities all need to reflect the mixed use.
Placing it in Thornbury with Apex
We arrange cover that reflects a building that is both restaurant and home, so neither side falls into a gap. Apex arranges Thornbury hospitality cover through one named broker. Regulated by the FCA; established 2009.
Related
- Public liability insurance Thornbury
- Employers liability insurance Thornbury
- Commercial vehicle insurance Thornbury
- Business insurance Thornbury
Get the right commercial cover, placed by a named broker
Tell us about your business and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.